the affordable care act, even not fully implemented, people are already seeing huge changes. the cost curve as you pointed out of health care has come down. people have gotten these billion dollars in rate. we have seen the low eest healt care cost peeks in 50 years. the provision the affordable health care act has that says if you spend 20% of the money on administrative costs or profits you will have to -- it provides a disincentive for raising health care costs and moneys have been put out there for review boards. >> because it does rely on insurance companies, the key issue now is the state exchanges. so remind folks what the state of changes are and tell me a model state that is doing this right. >> exchanges are websites. they're pliss to buy insurance. for most people today the place will be the internet. regardless if you don't get health care at work you go on the internet, punch in the answers to four questions which are age, location, zip code, family size and whether you smoke or not. and you will get quotes from every insurance company selling insurance through t